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Explaining adoption and use of payment instruments by US consumers

Citations

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Cited by:

  1. Barbara Gawior & Michal Polasik & Josep Lluís del Olmo, 2022. "Credit Card Use, Hedonic Motivations, and Impulse Buying Behavior in Fast Fashion Physical Stores during COVID-19: The Sustainability Paradox," Sustainability, MDPI, vol. 14(7), pages 1-16, March.
  2. Agnieszka Huterska & Anna Iwona Piotrowska & Joanna Szalacha-Jarmużek, 2021. "Fear of the COVID-19 Pandemic and Social Distancing as Factors Determining the Change in Consumer Payment Behavior at Retail and Service Outlets," Energies, MDPI, vol. 14(14), pages 1-18, July.
  3. Fujiki, Hiroshi & Tanaka, Migiwa, 2018. "How do we choose to pay using evolving retail payment technologies? Evidence from Japan," Journal of the Japanese and International Economies, Elsevier, vol. 49(C), pages 85-99.
  4. Zamora-Pérez, Alejandro, 2026. "Who owns crypto in the euro area? Drivers of crypto adoption, payment use, and its interaction with fiat cash," Working Paper Series 3215, European Central Bank.
  5. Kim Huynh & Oleksandr Shcherbakov & André Stenzel, 2025. "Dynamic Consumer Cash Inventory Model," Staff Working Papers 25-22, Bank of Canada.
  6. Felix Aidala & Gizem Koşar & Daniel Mangrum & Wilbert Van der Klaauw, 2025. "Understanding Consumer Demand for “Buy Now, Pay Later”," Staff Reports 1167, Federal Reserve Bank of New York.
  7. Briglevics, Tamás & Schuh, Scott, 2014. "This is what's in your wallet... and how you use it," Working Paper Series 1684, European Central Bank.
  8. Santiago Carbó‐Valverde & Pedro J. Cuadros‐Solas & Francisco Rodríguez‐Fernández & José Juan Sánchez‐Béjar, 2024. "Digital innovation and de‐branching in the banking industry: Customer perception and satisfaction," Global Policy, London School of Economics and Political Science, vol. 15(S1), pages 8-20, March.
  9. Jeff Allen & Santiago Carbo-Valverde & Sujit Chakravorti & Francisco Rodriguez-Fernandez & Oya Pinar Ardic, 2022. "Assessing incentives to increase digital payment acceptance and usage: A machine learning approach," PLOS ONE, Public Library of Science, vol. 17(11), pages 1-29, November.
  10. Greene, Claire & Stavins, Joanna, 2017. "Did the Target data breach change consumer assessments of payment card security?," Journal of Payments Strategy & Systems, Henry Stewart Publications, vol. 11(2), pages 121-133, August.
  11. Jasmina Arifovic & John Duffy & Janet Hua Jiang, 2017. "Adoption of a New Payment Method: Theory and Experimental Evidence," Staff Working Papers 17-28, Bank of Canada.
  12. Bruno Karoubi & Régis Chenavaz & Corina Paraschiv, 2016. "Consumers’ perceived risk and hold and use of payment instruments," Applied Economics, Taylor & Francis Journals, vol. 48(14), pages 1317-1329, March.
  13. Rysman Marc & Wright Julian, 2014. "The Economics of Payment Cards," Review of Network Economics, De Gruyter, vol. 13(3), pages 303-353, September.
  14. Fulford, Scott L. & Schuh, Scott D., 2024. "Credit cards, credit utilization, and consumption," Journal of Monetary Economics, Elsevier, vol. 148(C).
  15. Claire Greene & Oz Shy & Joanna Stavins, 2023. "Personality Traits and Financial Outcomes," Consumer Payments Research Data Reports 2023-02, Federal Reserve Bank of Atlanta.
  16. Toshitaka Sekine & Toshiaki Shoji & Tsutomu Watanabe, 2022. "Going Cashless: Government’s Point Reward Program vs. COVID-19," CARF F-Series CARF-F-538, Center for Advanced Research in Finance, Faculty of Economics, The University of Tokyo.
  17. Claire Greene & Julian Perry & Joanna Stavins, 2026. "Consumer Payment Behavior by Income and Demographics," International Journal of Central Banking, International Journal of Central Banking, vol. 22(1), pages 47-99, January.
  18. Arvind Agrawal & James W. Gentry, 2020. "Why do many consumers prefer to pay now when they could pay later?," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(2), pages 607-627, June.
  19. Charles M. Kahn & José M. Liñares-Zegarra & Joanna Stavins, 2017. "Are there Social Spillovers in Consumers’ Security Assessments of Payment Instruments?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 52(1), pages 5-34, October.
  20. Seiler, Volker, 2026. "What determines potential usage of the digital euro?," Research in International Business and Finance, Elsevier, vol. 86(C).
  21. Toke R. Fosgaard & Adriaan R. Soetevent, 2018. "Promises undone: How committed pledges impact donations to charity," IFRO Working Paper 2018/03, University of Copenhagen, Department of Food and Resource Economics.
  22. Berg, Tobias & Burg, Valentin & Keil, Jan & Puri, Manju, 2025. "The economics of “Buy Now, Pay Later”: A merchant’s perspective," Journal of Financial Economics, Elsevier, vol. 171(C).
  23. Berg, Tobias & Keil, Jan & Martini, Felix & Puri, Manju, 2024. "CBDCs, Payment Firms, and Geopolitics," CEPR Discussion Papers 19367, Centre for Economic Policy Research.
  24. Beata Świecka & Paweł Terefenko & Tomasz Wiśniewski & Jingjian Xiao, 2021. "Consumer Financial Knowledge and Cashless Payment Behavior for Sustainable Development in Poland," Sustainability, MDPI, vol. 13(11), pages 1-18, June.
  25. Hartmann, Monika & Gijsel, Lola Hernandez-van & Plooij, Mirjam & Vandeweyer, Quentin, 2019. "Are instant payments becoming the new normal? A comparative study," Occasional Paper Series 229, European Central Bank.
  26. Raphael Auer & Giulio Cornelli & Jon Frost, 2022. "The pandemic, cash and retail payment behaviour: insights from the future of payments database," BIS Working Papers 1055, Bank for International Settlements.
  27. Rajas Saroy & Sakshi Awasthy & Naveen K. Singh & Sonali M. Adki & Sarat Dhal, 2022. "The Impact of Covid-19 on Digital Payment Habits of Indian Households," Bulletin of Monetary Economics and Banking, Bank Indonesia, vol. 25(Special I), pages 19-42, March.
  28. Marc Rysman & Scott Schuh, 2017. "New Innovations in Payments," Innovation Policy and the Economy, University of Chicago Press, vol. 17(1), pages 27-48.
  29. Kim Huynh & Gradon Nicholls & Oleksandr Shcherbakov, 2022. "Equilibrium in Two-Sided Markets for Payments: Consumer Awareness and the Welfare Cost of the Interchange Fee," Staff Working Papers 22-15, Bank of Canada.
  30. repec:upd:utmpwp:040 is not listed on IDEAS
  31. Claire Greene & Allison Cole, 2017. "Financial Inclusion and Consumer Payment Choice," Journal of Financial Transformation, Capco Institute, vol. 46, pages 219-235.
  32. Kajdi, László, 2022. "Consumer payment preferences in the euro area," Working Paper Series 2729, European Central Bank.
  33. Tamás Briglevics & Scott Schuh, 2020. "This Is What's in Your Wallet...and Here's How You Use It," Working Papers 20-04, Department of Economics, West Virginia University.
  34. Song, Ke & Wu, Peizhang & Zou, Sarah, 2023. "The adoption and use of mobile payment: Determinants and relationship with bank access☆," China Economic Review, Elsevier, vol. 77(C).
  35. Sofia Priazhkina & Samuel Palmer & Pablo Martín-Ramiro & Román Orús & Samuel Mugel & Vladimir Skavysh, 2024. "Digital Payments in Firm Networks: Theory of Adoption and Quantum Algorithm," Staff Working Papers 24-17, Bank of Canada.
  36. Shy, Oz, 2020. "Low-income consumers and payment choice," Research in Economics, Elsevier, vol. 74(4), pages 292-300.
  37. Naoki Wakamori & Angelika Welte, 2017. "Why Do Shoppers Use Cash? Evidence from Shopping Diary Data," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 49(1), pages 115-169, February.
  38. Claire Greene & Marcin Hitczenko & Brian Prescott & Oz Shy, 2020. "U.S. Consumers' Use of Personal Checks: Evidence from a Diary Survey," Consumer Payments Research Data Reports 2020-1, Federal Reserve Bank of Atlanta.
  39. Liñares-Zegarra, José M. & Willesson, Magnus, 2021. "The effects of negative interest rates on cash usage: Evidence for EU countries," Economics Letters, Elsevier, vol. 198(C).
  40. Tamas Briglevics & Scott Schuh, 2013. "U.S. consumer demand for cash in the era of low interest rates and electronic payments," Working Papers 13-23, Federal Reserve Bank of Boston.
  41. Scott Schuh, 2018. "Measuring Consumer Expenditures With Payment Diaries," Economic Inquiry, Western Economic Association International, vol. 56(1), pages 13-49, January.
  42. repec:cfe:wpcefa:2016_05 is not listed on IDEAS
  43. Dick, Christian D. & Jaroszek, Lena M., 2013. "Knowing what not to do: Financial literacy and consumer credit choices," ZEW Discussion Papers 13-027, ZEW - Leibniz Centre for European Economic Research.
  44. Joanna Stavins, 2013. "Security of retail payments: the new strategic objective," Public Policy Discussion Paper 13-9, Federal Reserve Bank of Boston.
  45. Tamas Briglevics & Scott Schuh, 2014. "This is what's in your wallet... and here's how you use it," Working Papers 14-5, Federal Reserve Bank of Boston.
  46. Hiroshi Fujiki, 2020. "Correction to: The use of noncash payment methods for regular payments and the household demand for cash: evidence from Japan," The Japanese Economic Review, Springer, vol. 71(4), pages 767-768, October.
  47. José Aurazo & Holti Banka & Guillermo Galicia & Nilima Ramteke & Vatsala Shreeti & Kiyotaka Tanaka, 2025. "Pricing in fast payments: a practical and theoretical overview," BIS Working Papers 1295, Bank for International Settlements.
  48. Fujiki, Hiroshi & Tanaka, Migiwa, 2017. "Choice of payment instrument for low-value transactions in Japan," International Cash Conference 2017 – War on Cash: Is there a Future for Cash? 162909, Deutsche Bundesbank.
  49. Oz Shy, 2013. "How many cards do you use?," Working Papers 13-13, Federal Reserve Bank of Boston.
  50. Tobias Trütsch, 2016. "The impact of mobile payment on payment choice," Financial Markets and Portfolio Management, Springer;Swiss Society for Financial Market Research, vol. 30(3), pages 299-336, August.
  51. Zhu Wang & Alexander L. Wolman, 2014. "Payment Choice and the Future of Currency: Insights from Two Billion Retail Transactions," Working Paper 14-9, Federal Reserve Bank of Richmond.
  52. Kevin Foster & Scott Schuh & Hanbing Zhang, 2013. "The 2010 Survey of Consumer Payment Choice," Research Data Report 13-2, Federal Reserve Bank of Boston.
  53. Arifovic, Jasmina & Duffy, John & Jiang, Janet Hua, 2023. "Adoption of a new payment method: Experimental evidence," European Economic Review, Elsevier, vol. 154(C).
  54. Porreca, Zachary, 2026. "Identifying the general equilibrium effects of narcotics enforcement," Journal of Urban Economics, Elsevier, vol. 152(C).
  55. Marc Rysman & Shuang Wang & Krzysztof Wozniak, 2025. "Understanding Preferences for Payment Cards using Household Scanner Data," Finance and Economics Discussion Series 2025-096, Board of Governors of the Federal Reserve System (U.S.).
  56. Martin Brown & Nicole Hentschel & Hannes Mettler & Helmut Stix, 2020. "Financial Innovation, Payment Choice and Cash Demand - Causal Evidence from the Staggered Introduction of Contactless Debit Cards," Working Papers on Finance 2002, University of St. Gallen, School of Finance.
  57. Carin Cruijsen & Frank Horst, 2019. "Cash or Card? Unravelling the Role of Socio-Psychological Factors," De Economist, Springer, vol. 167(2), pages 145-175, June.
  58. Fosgaard, Toke R. & Soetevent, Adriaan, 2018. "Promises Undone," Research Report 2018006, University of Groningen, Research Institute SOM (Systems, Organisations and Management).
  59. Cull, Robert J. & Foster, Vivien & Jolliffe, Dean Mitchell & Lederman, Daniel & Mare, Davide Salvatore & Veerappan, Malarvizhi, 2023. "Digital Payments and the COVID-19 Shock : The Role of Preexisting Conditions in Banking, Infrastructure, Human Capabilities, and Digital Regulation," Policy Research Working Paper Series 10603, The World Bank.
  60. Vânia G. Silva & Esmeralda A. Ramalho & Carlos R. Vieira, 2017. "The Use of Cheques in the European Union: A Cross-Country Analysis," Open Economies Review, Springer, vol. 28(3), pages 581-602, July.
  61. Kotkowski, Radoslaw & Polasik, Michal, 2021. "COVID-19 pandemic increases the divide between cash and cashless payment users in Europe," Economics Letters, Elsevier, vol. 209(C).
  62. Egor A. Krivosheya, 2018. "Evaluating Efficient Multilateral Interchange Fees: Evidence from End-User Benefits," HSE Working papers WP BRP 66/FE/2018, National Research University Higher School of Economics.
  63. Syngjoo Choi & Bongseop Kim & Young-Sik Kim & Ohik Kwon & Soeun Park, 2025. "Predicting the payment preference for CBDC: a discrete choice experiment," BIS Working Papers 1296, Bank for International Settlements.
  64. Delgado Fuentealba, Carlos L. & Muñoz Mendoza, Jorge A. & Sepúlveda Yelpo, Sandra M. & Veloso Ramos, Carmen L. & Fuentes-Solís, Rodrigo A., 2021. "Household debt, automatic bill payments and inattention: Theory and evidence," Journal of Economic Psychology, Elsevier, vol. 85(C).
  65. Fernando Alvarez & David Argente, 2022. "On the Effects of the Availability of Means of Payments: The Case of Uber," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 137(3), pages 1737-1789.
  66. Maxim Ralchenko & Oleksandr Shcherbakov & Kim P Huynh, 2026. "From CPU to GPU: comparison of parallel computing techniques for numerical solutions," IFC Bulletins chapters, in: Bank for International Settlements (ed.), Data science in central banking, volume 67, Bank for International Settlements.
  67. Nur Annisa Hasniawati & Eva R. Lase & Akhis R. Hutabarat, 2020. "Indonesian Household Payment Choice: A Nested Logit Analysis," Journal of Central Banking Theory and Practice, Central bank of Montenegro, vol. 9(special i), pages 291-313.
  68. Brown, Martin & Hentschel, Nicole & Mettler, Hannes & Stix, Helmut, 2022. "The convenience of electronic payments and consumer cash demand," Journal of Monetary Economics, Elsevier, vol. 130(C), pages 86-102.
  69. Zhu Wang & Alexander L. Wolman, 2016. "Consumer Payment Choice in the Fifth District: Learning from a Retail Chain," Economic Quarterly, Federal Reserve Bank of Richmond, issue 1Q, pages 51-78.
  70. Huynh Kim P. & Molnar Jozsef & Shcherbakov Oleksandr & Yu Qinghui (Jerry), 2024. "Demand for Payment Services and Consumer Welfare: The Introduction of a Central Bank Digital Currency," Review of Network Economics, De Gruyter, vol. 23(4), pages 199-230.
  71. Jasmina Arifovic & John Duffy & Janet Jiang, 2017. "Adoption of a New Payment System: Theory and Experimental Evidence," Working Papers 171801, University of California-Irvine, Department of Economics.
  72. Hongze Jiang & Pinghan Liang, 2021. "Less Cash, Less Theft? Evidence from Fintech Development in the People’s Republic of China," ADBI Working Papers 1282, Asian Development Bank Institute.
  73. Carin van der Cruijsen & Mirjam Plooij, 2015. "Changing payment patterns at point-of-sale: their drivers," DNB Working Papers 471, Netherlands Central Bank, Research Department.
  74. Toshitaka Sekine & Toshiaki Shoji & Tsutomu Watanabe, 2021. "Going Cashless: Evidence from Japan’s Point Reward Program," CARF F-Series CARF-F-525, Center for Advanced Research in Finance, Faculty of Economics, The University of Tokyo.
  75. Joanna Stavins, 2020. "Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 58(1), pages 59-90, August.
  76. Zhe Liu & Zhenhong Qi & Qingsong Tian & John Stephen Clark & Zeyu Zhang, 2024. "The Impact of Digital Finance on Farmers’ Adoption of Eco-Agricultural Technology: Evidence from Rice-Crayfish Co-Cultivation Technology in China," Agriculture, MDPI, vol. 14(4), pages 1-20, April.
  77. Walter Engert & Oleksandr Shcherbakov & André Stenzel, 2024. "CBDC in the Market for Payments at the Point of Sale: Equilibrium Impact and Incumbent Responses," Staff Working Papers 24-52, Bank of Canada.
  78. Wang, Zhu & Wolman, Alexander L., 2016. "Payment choice and currency use: Insights from two billion retail transactions," Journal of Monetary Economics, Elsevier, vol. 84(C), pages 94-115.
  79. Carbó-Valverde, Santiago & Cuadros-Solas, Pedro J. & Rodríguez-Fernández, Francisco & Sánchez-Béjar, José Juan, 2023. "Mobility restrictions and payment choices: The case of the Covid-19 pandemic," Journal of Behavioral and Experimental Finance, Elsevier, vol. 40(C).
  80. Fosgaard, Toke R. & Soetevent, Adriaan R., 2022. "I will donate later! A field experiment on cell phone donations to charity," Journal of Economic Behavior & Organization, Elsevier, vol. 202(C), pages 549-565.
  81. Jeff Allen & Santiago Carbo Valverde & Sujit Chakravorti & Francisco Rodriguez-Fernandez & Oya Pinar Ardic, 2022. "Assessing Incentives to Increase Digital Payment Acceptance and Usage," World Bank Publications - Books, The World Bank Group, number 37487, October.
  82. Claire Greene & Scott Schuh & Joanna Stavins, 2016. "The 2014 Survey of Consumer Payment Choice: Summary Results," Consumer Payments Research Data Reports 2016-03, Federal Reserve Bank of Atlanta.
  83. Hiroshi Fujiki, 2023. "Attributes needed for Japan’s central bank digital currency," The Japanese Economic Review, Springer, vol. 74(1), pages 117-175, January.
  84. Jing Jian Xiao & Chunsheng Tao, 2020. "Consumer finance/household finance: the definition and scope," China Finance Review International, Emerald Group Publishing Limited, vol. 11(1), pages 1-25, June.
  85. Kim Huynh & Gradon Nicholls & Oleksandr Shcherbakov, 2019. "Explaining the Interplay Between Merchant Acceptance and Consumer Adoption in Two-Sided Markets for Payment Methods," Staff Working Papers 19-32, Bank of Canada.
  86. Semerikova, E., 2024. "Cashless payments beyond access: What influences the intensity of use?," Journal of the New Economic Association, New Economic Association, vol. 64(3), pages 171-188.
  87. Cohen, Michael & Rysman, Marc, 2012. "Payment Choice with Consumer Panel Data," Working Paper series 148348, University of Connecticut, Charles J. Zwick Center for Food and Resource Policy.
  88. Claire Greene & Marc Rysman & Scott Schuh & Oz Shy, 2014. "Costs and benefits of building faster payment systems: the U.K. experience and implications for the United States," Current Policy Perspectives 14-5, Federal Reserve Bank of Boston.
  89. Kevin Foster & Claire Greene & Joanna Stavins, 2020. "2019 Survey of Consumer Payment Choice," Consumer Payments Research Data Reports 2020-03, Federal Reserve Bank of Atlanta.
  90. Marcin Hitczenko & Mingzhu Tai, 2014. "Measuring unfamiliar economic concepts: the case of prepaid card adoption," Working Papers 14-9, Federal Reserve Bank of Boston.
  91. Hiroshi Fujiki, 2025. "Cashless payment methods and COVID-19: evidence from Japanese consumer panel data," The Japanese Economic Review, Springer, vol. 76(1), pages 121-162, January.
  92. Aloys Prinz, 2019. "The microeconomics of mobile payments," Netnomics, Springer, vol. 20(2), pages 129-151, December.
  93. Daniel Grodzicki & Alexei Alexandrov & Özlem Bedre-Defolie & Sergei Koulayev, 2023. "Consumer Demand for Credit Card Services," Journal of Financial Services Research, Springer;Western Finance Association, vol. 63(3), pages 273-311, June.
  94. David Hao Zhang, 2016. "How do people pay rent?," Research Data Report 16-2, Federal Reserve Bank of Boston.
  95. Shy, Oz, 2021. "Cashless stores and cash users," Journal of Policy Modeling, Elsevier, vol. 43(3), pages 622-638.
  96. David Bounie & Abel François & Leo Van Hove, 2017. "Consumer Payment Preferences, Network Externalities, and Merchant Card Acceptance: An Empirical Investigation," Review of Industrial Organization, Springer;The Industrial Organization Society, vol. 51(3), pages 257-290, November.
  97. Galina Besstremyannaya & Richard Dasher & Egor Ganaga, 2024. "Consumer heterogeneity and the use of cashless payments in Japan in 2007–2020: a latent class approach," Applied Econometrics, Russian Academy of National Economy and Public Administration (RANEPA), vol. 75, pages 33-53.
  98. Naneh Hovanessian & Elen Khanikiryan & Gevorg Minasyan & Hovhannes Khachatryan, 2026. "Financial Incentives And Payment Choice: Evidence From A Pensioner Cashback Program," Working Papers WP-2026-02, Central Bank of Armenia.
  99. Joanna Stavins, 2016. "The effect of demographics on payment behavior: panel data with sample selection," Working Papers 16-5, Federal Reserve Bank of Boston.
  100. Vicente R os & Antonio G mez & Pedro Pascual, 2021. "Raising the Accuracy of Shadow Economy Measurements," Hacienda Pública Española / Review of Public Economics, IEF, vol. 239(4), pages 71-125, November.
  101. Joanna Stavins, 2017. "How Do Consumers Make Their Payment Choices?," Consumer Payments Research Data Reports 2017-1, Federal Reserve Bank of Atlanta.
  102. Qu, Yingge & Kumar, V. & Zhao, Yi, 2023. "A dynamic model of the contract length and early termination: The roles of technology evolution and pricing strategy," Journal of Business Research, Elsevier, vol. 167(C).
  103. repec:upd:utmpwp:036 is not listed on IDEAS
  104. Scott Schuh, 2017. "Measuring consumer expenditures with payment diaries," Working Papers 17-2, Federal Reserve Bank of Boston.
  105. Arango, Carlos & Huynh, Kim P. & Sabetti, Leonard, 2015. "Consumer payment choice: Merchant card acceptance versus pricing incentives," Journal of Banking & Finance, Elsevier, vol. 55(C), pages 130-141.
  106. Fujiki, Hiroshi, 2020. "Cash demand and financial literacy: A case study using Japanese survey data," Japan and the World Economy, Elsevier, vol. 54(C).
  107. Stavins, Joanna & Shy, Oz, 2015. "Merchant steering of consumer payment choice: Evidence from a 2012 diary survey," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 55(C), pages 1-9.
  108. Martikainen, Emmi & Schmiedel, Heiko & Takalo, Tuomas, 2015. "Convergence of European retail payments," Journal of Banking & Finance, Elsevier, vol. 50(C), pages 81-91.
  109. Elisabeth Honka & Ali Hortaçsu & Maria Ana Vitorino, 2017. "Advertising, consumer awareness, and choice: evidence from the U.S. banking industry," RAND Journal of Economics, RAND Corporation, vol. 48(3), pages 611-646, August.
  110. Martin Brown & Nicole Hentschel & Hannes Mettler & Helmut Stix, 2020. "Financial Innovation, Payment Choice and Cash Demand – Causal Evidence from the Staggered Introduction of Contactless Debit Cards (Martin Brown,Nicole Hentschel, Hannes Mettler, Helmut Stix)," Working Papers 230, Oesterreichische Nationalbank (Austrian Central Bank).
  111. Quartey, Jonathan D. & Nyarko, Lydia Gyamea, 2022. "Economic Sustainability of Mobile Money Payments in Ghana: Does a Tax on Transactions Matter?," African Journal of Economic Review, African Journal of Economic Review, vol. 10(5), December.
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